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Texas
This manual contains rules applicable to the Homeowner, Renter and Condominium coverages for the insurance of Homeowner Program. Refer to the policy or endorsement forms for the details of the coverage for which rules are provided in this manual. Changes in the manual rules will be announced. Information that includes the following symbol ( ) indicates a change. GENERAL PHILOSOPHY We are in the business of providing insurance. This statement implies that coverage will be available to a broad cross section of the public at a reasonable cost, with the expectation of profitable operation for both our agents and the Company. While it is our intention to establish a premium structure with sufficient flexibility to accommodate most potential policyholders, there are certain risk characteristics that present such a propensity to loss that they cannot be accepted in our programs. The purpose of this guide is to help define these acceptability standards. It is important to note that State Auto adheres to the terms of any applicable statutes. Thus, to the extent any of the guidelines contained in this document are in conflict with applicable law, the guidelines are superseded by the law. Beyond the general guidelines contained herein, we also recognize the importance of the agent’s role in the underwriting process. By virtue of personal inspection of the property, the agent is in a unique position to assess risk characteristics and exercise underwriting judgment. 05/2017 State Auto Insurance Companies
State Auto – Homeowners TEXAS Table of Contents Table of Contents I - UNDERWRITING GUIDELINES I - UNDERWRITING GUIDELINES (continued) II - INELIGIBLE RISKS III - BINDING AUTHORITY III - BINDING AUTHORITY(continued) IV – GENERAL RULES IV.1 Policy Forms and Description of Coverage IV.2 Additional Interest/Additional Insured IV.3 Mandatory Coverages IV.4 Cancellation or Reductions in Limits of Liability/Coverages IV.5 Definitions IV.6 Protection Class V – CREDITS, DISCOUNTS and CHARGES V.1 Advanced Quote Discount V.2 Financial Stability Rating V.3 Fortified Certification Discount V.4 Home Purchase Discount V.5 Loss Experience Rating V.6 Multiple Policy Discount V.7 New Construction Factor V.8 Prior Carrier Discount V.9 Protective Devices Credit V.10 Roof Construction Factor V.11 Roof Surfacing Cosmetic Damage Exclusion V.12 Smart/Connected Home Credit V.13 Solid Fuel Heating Device Surcharge V.14 State Auto Employee Discount V.15 Superior Construction Credit V.16 Windstorm or Hail Exclusion - Texas V.17 Wood Shingle Surcharge VI – PAYMENT OPTIONS VII – OPTIONAL COVERAGES VII.1 Actual Cash Value – Wind Hail Losses to Roof Settlement 05/2017 State Auto Insurance Companies
State Auto – Homeowners TEXAS VII.2 Additional Residence Occupied by Insured VII.3 Additional Residence Rented to Others VII.4 Assisted Living Care Coverage VII.5 Blanket Personal Property VII.6 Builders Risk Coverage VII.7 Building Additions and Alterations VII.8 Building Additions and Alterations – Other Residence VII.9 Business Pursuits VII.10 Deductible Options VII.11 Coverage C – Increased Limits VII.12 Earthquake Coverage VII.13 Extended Theft Coverage for Residence Premises Occasionally Rented to Others VII.14 Farmers Personal Liability VII.15 Fire Department Service Charge VII.16 Foundation Coverage VII.17 Functional Replacement Cost Loss Settlement VII.18 Home Business Insurance VII.19 Home Day Care Coverage VII.20 HomeXtended Coverages Endorsement VII.21 Identity Fraud Expense Coverage - Texas VII.22 Increased Amount of Insurance for Property Located in a Self-Storage Facility VII.23 Increased Limits of Business Property on Residence Premises VII.24 Increased Personal Property – Other Residence VII.25 Landlord’s Furnishings VII.26 Livestock Collision Coverage VII.27 Loss Assessment Supplement VII.28 Loss Assessment Earthquake Coverage VII.29 Ordinance or Law Coverage VII.30 Other Members of a Named Insured Household VII.31 Other Structures – Specific Structures Away from the Residence Premises VII.32 Other Structures – Structures Rented to Others – Residence Premises VII.33 Permitted Incidental Occupancies – Other Residence VII.34 Permitted Incidental Occupancies – Residence Premises VII.35 Personal Injury Coverage Endorsement VII.36 Personal Property Replacement Cost Loss Settlement 05/2017 State Auto Insurance Companies
State Auto – Homeowners TEXAS VII.37 Premier – Condominium Coverages Endorsement VII.38 Premier – Homeowner Coverages Endorsement VII.39 Premier – Renter Coverages Endorsement VII.40 Protection Plus – Condominium Coverages Endorsement VII.41 Protection Plus – Homeowner Coverages Endorsement VII.42 Protection Plus – Renter Coverages Endorsement VII.43 Refrigerated Personal Property VII.44 Replacement Cost Loss Settlement for Certain Non-Building Structures VII.45 Residence Employees VII.46 Scheduled Personal Property VII.47 Sinkhole Collapse VII.48 Special Computer Coverage - Texas VII.49 Special Personal Property Coverage VII.50 Student Living Away from Residence Premises VII.51 Theft - Dwelling Under Construction & Theft of Building Materials VII.52 Trust Endorsement VII.53 Unit Owners Coverage A Special Coverage - Texas VII.54 Unit Owners Coverage C Special Coverage - Texas VII.55 Unit Owners Rental to Others VII.56 Volunteer Wrongful Acts Coverage VII.57 Water Backup and Sump Overflow VII.58 Water Damage Coverage VIII – Watercraft Section VIII.1 General Rules VIII.2 Binding Authority VIII.3 Watercraft Coverage and Eligibility VIII.4 Optional Coverages VIII.5 Credits/Debits VIII.6 Territory Definitions VIII.7 Watercraft Liability VIII.8 Pleasure Boat Endorsement VIII.9 Yacht Endorsement IX – Forms and Endorsement 05/2017 State Auto Insurance Companies
State Auto – Homeowners TEXAS I - UNDERWRITING GUIDELINES A. Entire State Eligibility Guidelines Premier Protection Plus Standard HO0004 – Renters HO0005 – Homeowner Expanded HO0006 - Condominium HO0003 - Homeowner HO0004 – Renters HO0005 – Homeowner Expanded HO0006 - Condominium HO0003 - Homeowner HO0004 – Renters HO0005 – Homeowner Expanded HO0006 - Condominium Coverage A 100% of Replacement 100% of Replacement 80% of Replacement Coverage B Coverage C HO0003 HO0005 HO0006 HO0004 Coverage D HO0003 HO0005 HO0006 HO0004 Coverage E Coverage F Secondary Residence 20% of Coverage A 10% of Coverage A 10% of Coverage A 75% of Coverage A 75% of Coverage A 10,000 10,000 70% of Coverage A 70% of Coverage A 10,000 10,000 50% of Coverage A 50% of Coverage A 10,000 10,000 Unlimited/for Unlimited/for Unlimited/for Unlimited/for 100,000 1,000 30% of Coverage A 30% of Coverage A 30% Coverage C 50% Coverage C 100,000 1,000 30% of Coverage A 30% of Coverage A 30% Coverage C 50% Coverage C 100,000 1,000 Occupancy Must be owner-occupied dwelling and residential only Loss History No more than three paid losses are permitted in the last three years (excluding mold damage claims provided certification form MDR-1 has been completed by a qualified mold remediation inspector). In-Ground Pools: A 4’ fence with locked gate is required unless the pool has a motorized track type safety pool cover or if a natural barrier is present, reducing visibility of the pool. Pools with diving boards are eligible if the board is no more than 20 inches above the water level, and the pool has a minimum depth of 8 feet in the diving area. Pools with slides are eligible with a minimum pool depth of 5 feet in the slide area. Above-Ground Pools: A 4’ fence with a locked gate or a ladder that can be retracted and locked. Diving boards and pool slides are ineligible with above ground pools. Available Forms Minimum Coverage Pools 05/2017 24 24 24 24 months months months months Must not be located outside of the United States State Auto Insurance Company UG-1.0
State Auto – Homeowners TEXAS I - UNDERWRITING GUIDELINES (continued) B. Coastal Area Coastal Properties – Including Wind Coverage Tier 1 (TWIA) Consists of the following counties: Aransas, Brazoria, Calhoun, Cameron, Chambers, Galveston, Jefferson, Kenedy, Kleberg, Matagorda, Nueces, Refugio, San Patricio, Willacy and a portion of southeastern Harris County The following requirements must be met: All exterior windows have either hurricane shutters or impact resistant glass Year of construction must be 1996 or newer Carry a flood insurance policy up to Coverage A amount for Zones A and V Maximum Coverage A is 2,000,000 If HO6 Condominium policy, must be located on the second floor or higher If HO3 or HO5, must be the primary residence requiring year round occupancy If HO3 or HO5, must have a 5% windstorm or hail deductible Tier 2 Consists of the following counties: Bee, Brooks, Fort Bend, Goliad, Hardin, Harris County (excluding the Southeastern portion of the county), Hidalgo, Jackson, Jim Wells, Liberty, Live Oak, Orange, Victoria, and Wharton. The following requirements must be met: Carry a flood insurance policy up to Coverage A amount for Zones A and V If HO6 Condominium policy, must be located on the second floor or higher If HO3 or HO5, must have a 2% or higher windstorm or hail deductible Coastal Properties – Excluding Wind coverage (Windstorm or Hail Exclusion is only offered in Tier 1 area) Tier 1 (TWIA) Consists of the following counties: Aransas, Brazoria, Calhoun, Cameron, Chambers, Galveston, Jefferson, Kenedy, Kleberg, Matagorda, Nueces, Refugio, San Patricio, Willacy and a portion of southeastern Harris County The following requirements must be met: If HO6 Condominium policy, must be located on the second floor or higher Carry a flood insurance policy up to Coverage A amount for Zones A and V 05/2017 State Auto Insurance Company UG-1.1
State Auto – Homeowners TEXAS II - INELIGIBLE RISKS Brokered Business in which the transaction is facilitated by a third party to the agent and insured Named insured is that of a trust, estate or business Any applicant convicted of arson Any dwelling located in protection class 10 or 10W that is not located on an all-weather road and/or is not visible from the road or other homes year round Any dog on the residence premises of the following breeds (or any mix of these breeds): Pit Bull/Staffordshire Terrier, Doberman Pinscher, Rottweiler, Great Dane, Presa Canario, Akitas, Alaskan Malamute, Chow, German Shepherd, Siberian Husky, Wolf hybrid. Any dog that may be aggressive, unrestrained, or has a previous bite history Exotic animals. Extending liability to residences rented to others which are vacation type rentals or are located outside of the United States. Watercraft titled in the name of a business (with the exception of a Limited Liability Company) Homes with the following characteristics: o Homes that are not owner occupied. o Mobile Homes, Manufactured Homes, Pole Barn Homes, trailer homes, Earth Homes and Log Homes o Homes under construction for insured’s who are not the intended occupant o Homes with the Builder’s Risk endorsement which are not completed within 21 months from the policy new business effective date. o Homes under construction, unless the FI150 is attached to the policy o Homes with aluminum or knob and tube wiring o Homes with less than 100 amp electrical service or homes with fuses o Homes with more than 4 family units o The dwelling must have a continuous, closed, masonry foundation (excluding coastal properties located in Tier 1 and 2) 05/2017 o Historic Homes or Homes on a Historic Registry o Campers or Motorhomes used as a residence o Homes in or upon foreclosure proceeding o Homes with a wildfire risk score of 81 or greater o Vacant or unoccupied homes State Auto Insurance Company IR-1.1
State Auto – Homeowners TEXAS II - INELIGIBLE RISKS (Continued) o Homes with roofing over 20 years old unless the ACV Wind Hail Losses to Roof Settlement endorsement is applied to the policy. If roof type is metal, tile, concrete or slate, this would also be acceptable if over 20 years old. o Vacant or unoccupied homes o Homes that do not have a central heating system o Solid Fuel heating devices not tested by a reputable heating facility such as UL, OMNI or Intertek 05/2017 o Solid Fuel heating devices not professionally installed o Homes in PPC 10 or 10W with a stove or fireplace insert. o The dwelling’s primary heating source is a solid fuel heating device o Homes with a solid fuel heating device and a prior solid fuel heating loss o Homes with a solid fuel heating device in a workshop, garage or outside structure State Auto Insurance Company IR-1.1
State Auto – Homeowners TEXAS III - BINDING AUTHORITY The agent may bind coverage on any risk, which meets the eligibility guidelines, if: A. The required application(s) and option selector(s) are fully completed, signed by the Named Insured and the Agent, and electronically received by the Company within seven (7) calendar days of the effective date of coverage. B. The effective date will meet the following parameters from the original date quoted: Forty-five (45) calendar days in advance C. Any necessary documents, such as appraisals, bill of sale, certificates, etc. for verification purposes must be retained in the agent’s file (unless noted in the specific rule) to be available for company audits. Earthquake Moratorium – Do not bind any property coverage for 72 hours or any earthquake coverage for 30 days after a Seismic event of a 4.5 or greater on the Richter Scale. This applies to both dwelling fire and homeowner policies. Seismic Event Mile Radius of Do Not Bind Do Not Bind Richter Scale Epicenter Property Coverage Earthquake Coverage 4.5 – 5.9 250 Miles 72 Hours 30 Days 6.0 or greater 500 Miles 72 Hours 30 Days Coastal Property Moratorium Providing property insurance in coastal areas requires special underwriting consideration, primarily due to hurricane exposure. Therefore, we are providing the following guidelines for property risks located in coastal areas. For your guidance in handling new risks or placing additional coverage for existing accounts during a Hurricane Watch or Hurricane Warning, our guidelines are as follows: From the time the National Hurricane Center (NHC) issues a Hurricane Watch/Warning until 24 hours after the watch or warning is lifted, no new business, increases in existing business, or reduction of any deductibles may be written or bound in the following counties: Angelina, Aransas, Atascosa, Austin, Bee, Brazoria, Brooks, Calhoun, Cameron, Chambers, Colorado, DeWitt, Duval, Fayette, Fort Bend, Galveston, Goliad, Gonzales, Grimes, Hardin, Harris, Hidalgo, Houston, Jackson, Jasper, Jefferson, Jim Hogg, Jim Wells, Karnes, Kenedy, Kleberg, La Salle, Lavaca, Liberty, Live Oak, Madison, Matagorda, McMullen, Montgomery, Nacogdoches, Newton, Nueces, Orange, Polk, Refugio, Sabine, San Augustine, San Jacinto, San Patricio, Shelby, Starr, Trinity, Tyler, Victoria, Walker, Waller, Washington, Webb, Wharton, Wilson, and Zapata. For further information refer to our current Hurricane Bulletin issued at the start of each Hurricane Season. Hurricane Season runs from June 1st through November 30th each year. 05/2017 State Auto Insurance Company BA-1.0
State Auto – Homeowners TEXAS III - BINDING AUTHORITY(continued) Wild Fire/Active Fire Line 05/2017 Agents need to get company approval before binding any new business or increasing current exposures for personal lines property, inland marine and auto coverages located within 15 miles of any existing wild fire or active fire line. State Auto Insurance Company BA-1.1
State Auto – Homeowners TEXAS IV – GENERAL RULES The rules, rates, forms and endorsements of State Auto Insurance Companies for each coverage shall govern in all cases not specifically provided for in this manual. Please note that the following rules pertain to all policies unless otherwise noted. IV.1 Policy Forms and Description of Coverage The following is a general description of the coverages provided by the individual Homeowners Policy Forms. The Policy should be consulted for exact contract conditions. A. Property Coverage Section Coverages – Property Damage Coverage A – Dwelling Coverage B – Other Structures Coverage C – Personal Property Coverage D – Loss of Use 1. Form HO0003 – Special Form – Covers dwelling, other structures and loss of use against all risks of physical loss, with certain exceptions. Personal Property is covered against loss on a broad “named peril” basis. 2. Form HO0004 – Contents Broad Form – Covers personal property, including the insured’s interest in building additions and alterations, and loss of use against loss on a broad “named peril” basis. 3. Form HO0005 – Comprehensive Form – Covers dwelling, other structures, personal property and loss of use against all risks of physical loss, with certain exceptions. 4. Form HO0006 – Condominium Unit-Owners Form—Covers personal property, building additions and alterations of the unit and loss of use against loss on a broad “named peril” basis. B. Liability Coverage Section Coverages –Liability—All Forms Coverage E – Personal Liability Coverage F – Medical Payments to Others 1. Personal Liability – Covers payment on behalf of any insured of all sums which the insured shall become legally obligated to pay as damages because of bodily injury or property damage arising out of an insured’s premises or personal activities. 2. Medical Payments to Others – Covers medical expenses incurred by persons, other than the insured, who sustain bodily injury caused by an accident arising out of an insured’s premises or personal activities. 05/2017 State Auto Insurance Company GR-1.0
State Auto – Homeowners TEXAS IV.2 Additional Interest/Additional Insured A. In addition to the mortgagee(s) shown in the Declarations or elsewhere in the policy, other persons or organizations may have an insurable interest in the residence premises. When coverage is not provided to such persons or organizations use Additional Insured Endorsement HO0441. B. Such persons or organizations who wish to receive notification if the policy is canceled or nonrenewed by the insurer can be listed as an Additional Interest - Use endorsement HO0410. 05/2017 State Auto Insurance Company GR-2.0
State Auto – Homeowners TEXAS IV.3 Mandatory Coverages A. It is mandatory that insurance be written for all coverages provided under both Property and Liability Coverage Sections of the Homeowner Policy. B. Liability Coverage Section of the policy requires coverage for the following exposures. When such exposures exist, refer to the Optional Coverages Section. 1. All additional insured locations where the named insured or spouse maintain a residence other than business or farm properties; and 2. All residence employees of the named insured or spouse not covered or not required to be covered by Worker Compensation Insurance. C. Coverage for business property/business pursuits is limited under the Property Coverage Section and excluded under the Liability Coverage Section of the Homeowner Policy. If an incidental business occupancy is permitted by the Company to be covered under a Homeowner Policy, it is required that the policy be endorsed, at an additional premium charge, to cover the exposure. When a permitted exposure exists, refer to the Optional Coverage Section of this manual. D. At renewal, the dwelling’s estimated replacement cost and Coverage A will be adjusted based on the updated replacement cost returned from Marshall & Swift Boeckh (MSB) reflecting current construction costs. The renewal premium will be based on the new Replacement Cost and Coverage A limit. For renters policies (HO0004) and condominium owners (HO0006) a cost of living or inflation factor will apply to the appropriate Section I Coverage. 05/2017 State Auto Insurance Company GR-3.0
State Auto – Homeowners TEXAS IV.4 Cancellation or Reductions in Limits of Liability/Coverages It shall not be permissible to cancel any of the mandatory coverages in the policy unless the entire policy is canceled. If insurance is canceled or reduced at the request of either the insured or insurer, the earned premium shall be computed on a pro rata basis. Cancellations must be processed through StateAutoConnect. 05/2017 State Auto Insurance Company GR-4.0
State Auto – Homeowners TEXAS IV.5 Definitions A. Construction Frame – exterior wall of wood or other combustible construction, including wood-iron clad, stucco on wood or plaster on combustible supports. Also includes aluminum or plastic siding over frame and hardi-plank. Masonry Veneer – exterior walls of combustible construction veneered with brick or stone. Masonry – exterior walls constructed of masonry materials such as adobe, brick, concrete, gypsum block, hollow concrete block, stone, tile or similar materials and floors and roof of combustible construction (disregarding floors resting directly on the ground). Mixed – a combination of both frame and masonry construction shall be classed and coded as frame when the exterior walls of frame construction (including gables) exceed 33 1/3% of the total exterior wall area; otherwise class and code as masonry. Non-Combustible – exterior walls, floors and roof constructed of, and supported by metal, asbestos, gypsum, or other non-combustible materials. Masonry Non-Combustible – exterior walls constructed of masonry materials (as described in Masonry above) and floors and roof of metal or other non-combustible materials. Fire Resistive – exterior walls and floors and roof constructed of masonry or other fire resistive materials or any construction with exterior walls, floors, joists, studs, and roof trusses treated with Intumescent Fire Retardant Coating, No-Burn Wood Gard Mih or NoBurn Plus Mih. For Non-Combustible, Masonry Non-Combustible and Fire Resistive construction types, refer to the Superior construction credit in the Credits/Discounts/Charges section. 05/2017 State Auto Insurance Company GR-5.0
State Auto – Homeowners TEXAS IV.5 Definitions (Continued) B. Seasonal Dwelling Definition A seasonal dwelling is a dwelling with continuous vacancy of three or more consecutive months during any one year period. C. Single Building Definition All buildings or sections of buildings which are accessible through unprotected openings shall be considered as a single building. D. Separate Building Definition 1. Buildings which are separated by space shall be considered separate buildings. 2. Buildings or sections of buildings which are separated by: a. A 6 inch reinforced concrete of an 8 inch masonry party wall; or b. A documented minimum 2 hour non-combustible wall which has been laboratory tested for independent structural integrity under fire conditions; which pierces or rises to the underside of the roof and which pierces or extends to the innerside of the exterior wall shall be considered separate buildings. Accessibility between buildings with independent walls or through masonry party walls as described shall be protected by at least a Class A Fire Door installed in a masonry wall section. 05/2017 State Auto Insurance Company GR-5.1
State Auto – Homeowners TEXAS IV.6 Protection Class A. The protection class listings returned by ISO LOCATION (PPC ) will apply to risks insured under Homeowner Policies. B. Single Class Areas In a classified area where the primary responding fire department has a single classification (e.g. 6), use the designated classification for all properties located within the classified area. The property must be located within five miles of the responding fire department. C. Multiple Class Areas In a classified area where two or more classifications are shown for the primary responding fire department, the classifications will be displayed as “#/#X” (e.g. 6/X that was formerly published as 6/9), “#/#Y” (e.g. 6/6Y that was formerly published as 6/8B) or “#/10” (e.g. 6/10). The classification is assigned as follows: a. b. c. d. Distance to Primary Responding Fire Department 5 road miles or less and within 1,000 feet of a hydrant 5 road miles or less and over 1,000 feet to hydrant More than five, but less than seven road miles and within 1000 feet of hydrant For properties not qualifying for a, b, or c. above 05/2017 Protection Class Use the first class shown (e.g. 6/6X), use class 6 Use the second class shown (e.g. 6/6X), use 6X State Auto Insurance Company Use Class 10W Use class 10 GR-6.0
State Auto – Homeowners TEXAS V – CREDITS, DISCOUNTS and CHARGES V.1 Advanced Quote Discount The Advanced Quote Discount is a credit that is applied to qualifying homeowner policies, based on: The number of days the initial quote is quoted in advance of the effective date The policy form Eligibility: The initial quote needs to have been made eight or more days prior to the effective date of the policy. The initial quote cannot be more than 45 days prior to the effective date of the policy. The discount applies to both primary and seasonal dwellings, for HO0003, HO0005 and HO0006 policies only. Renewal policies will qualify only if they received the discount when the policy was newly issued and have had continuous coverage under State Auto Insurance Companies. This discount will not apply to policies rewritten from another State Auto Insurance Company. 05/2017 State Auto Insurance Company CD-1.0
State Auto – Homeowners TEXAS V.2 Financial Stability Rating This discount or surcharge is based on the credit score ranking of the insured. We will reunderwrite and rerate a policyholder based upon an updated credit report or score at the insured’s or their agent’s request. 05/2017 State Auto Insurance Company CD-2.0
State Auto – Homeowners TEXAS V.3 Fortified Certification Discount Eligibility – A one or two family dwelling that: A. Has been designated and constructed in conformity with, and has been certified as meeting, the requirements of the FORTIFIED for Safer Living standards promulgated by the IBHS FORTIFIED standards; or B. Has been designed and constructed in conformity with, and has been certified as meeting, the requirements of the 2006 International Residential Code (or later) for One- and Two- Family Dwellings promulgated by the International Code Council , including the design criteria applicable to construction in hurricane-prone regions; or C. If an existing structure, has been retrofitted in conformity with, and has been certified as meeting, either the GOLD, SILVER, or BRONZE hurricane mitigation measures in the FORTIFIED Home program promulgated by the IBHS FORTIFIED standards. Verification of Improvements and Proof of Compliance The insured must submit proof to the agent that the windstorm loss mitigation features and/or construction techniques have been implemented. This documentation should remain in the agent’s file for auditing purposes. Acceptable forms of proof include either: A. A written certification or report (with certification) from a licensed professional with expertise in construction techniques, building design or property inspection or appraisal, including but not limited to: an architect, an appraiser, a building inspector, or a contractor that the retrofitting technique mitigation measure has been implemented in accordance with applicable standards; or B. An affidavit from the property owner certifying that the mitigation or construction techniques have been implemented. Certified copies of the applicable receipts must accompany the affidavit. The insured is responsible for the expense associated with substantiating the installation of the loss mitigation features. 05/2017 State Auto Insurance Company CD-3.0
State Auto – Homeowners TEXAS V.4 Home Purchase Discount This credit is available to any new homeowner policy where the insured has newly purchased their home and meets the following requirements: Eligibility: For new business, the home must be purchased within the last twelve months prior to the effective date of the policy. This does not include refinances. Renewal policies will qualify only if they received the discount when the policy was newly issued and have had continuous coverage under State Auto. The discount applies to HO0003, HO0005 and HO0006 policies only. 05/2017 State Auto Insurance Company CD-4.0
State Auto – Homeowners TEXAS V.5 Loss Experience Rating The loss experience rating incorporates many types of losses as well as the number of losses in determining the impact on the policy premium. Our loss experience modifier only considers losses that are not the result of natural causes. The modifier also does not consider claims that are filed but not paid or payable under the policy, medical payment claims, nor prior appliance-related claims filed by the insured or on the insureds property, if the damage has been properly repaired or remediated and the repair or remediation was inspected and certified. For any claim to be considered it must exceed a threshold amount of 500. The loss experience modifier will apply for a three (3) year experience period. Loss experience rating also includes a separate loss free discount component that includes the same type of claims considered for the loss experience modifier except with two differences: 1) Includes losses with paid amounts of 1 to 500 2) The losses will be considered for a five (5) year period Watercraft losses that modify the premium will be applied to the watercraft premium. Losses of the following types will not result in the premium being adjusted: Contamination, Flood, Earth Movement, Earthquake, Sinkhole, and Riots, Civil Commotion and Strike. 05/2017 State Auto Insurance Company CD-5.0
State Auto – Homeowners TEXAS V.6 Multiple Policy Discount This credit is available to insureds that have a personal lines automobile, umbrella or business auto policy in force and homeowner policy written with State Auto Insurance Companies. While the application of
State Auto - Homeowners TEXAS 05/2017 State Auto Insurance Company UG-1.0 I - UNDERWRITING GUIDELINES A. Entire State Eligibility Guidelines Premier Protection Plus Standard Available Forms HO0004 - Renters HO0005 - Homeowner Expanded HO0006 - Condominium HO0003 - Homeowner HO0004 - Renters HO0005 - Homeowner Expanded
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